Speaker
Description
This study examines the factors influencing Malaysian university students’ behavioural intention to adopt mobile payment platforms by integrating the Technology Acceptance Model (TAM) with compliance-related considerations. Using a quantitative research design, data were collected from 306 respondents through structured questionnaires measuring four key determinants: perceived usefulness, perceived ease of use, social influence, and effort expectancy. Multiple linear regression analysis revealed that all four factors have statistically significant positive effects on adoption intention, with effort expectancy emerging as the strongest predictor, followed by perceived ease of use, social influence, and perceived usefulness. Collectively, these variables explain 64.5% of the variance in behavioural intention. The findings underscore the importance of not only designing mobile payment platforms that are functional and easy to use, but also embedding compliance-related features such as data protection, transaction security, and adherence to Bank Negara Malaysia’s e-KYC and AML/CFT requirements to enhance trust and encourage adoption. This study makes a theoretical contribution by validating an extended TAM in the context of mobile payment adoption among digitally native university students, while offering practical implications for fintech providers, regulators, and policymakers. Service providers should prioritise intuitive design, streamline learning processes, leverage peer influence, and communicate regulatory compliance measures effectively to foster greater adoption. Although the study is limited to the Malaysian context, the results offer relevant insights for advancing secure and compliant mobile payment adoption in similar emerging digital economies.
